Is SoFi Technologies, Inc. (SOFI) Undervalued? Valuation & Fair Price
At $15.84, 4 of the 4 frameworks would pass on SoFi Technologies, Inc. today — Warren Buffett, Benjamin Graham, Peter Lynch, and Phil Town (Rule #1) rate it Avoid. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.
SoFi Technologies, Inc.
SOFIFinancial Services · Financial - Credit Services · NASDAQ
$15.84
P/E 35.2×
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
Investor scorecard
How the four investors rate SoFi Technologies, Inc.
4 of 4 frameworks urge caution
Investor model analysis
Details lockedAt $15.84, 4 of 4 frameworks say Avoid
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
Intrinsic Value
Locked — upgrade to viewBuy Below
Locked — upgrade to viewStrong Buy
Locked — upgrade to viewMargin of Safety
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Insider & congress activity
Are insiders buying SOFI?
Over recent SEC Form 4 filings, SOFI insiders bought $0 and sold $1.1M of stock across 6 open-market trades. Insiders sell for many reasons, but they buy for one.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Keough KelliEVP, GBUL, SIPS | Sell | 10,203 | $173K | Sep 21, 2026 |
| Rishel JeremyChief Technology Officer | Sell | 18,624 | $326K | Sep 21, 2026 |
| Keough KelliEVP, GBUL, SIPS | Sell | 11,286 | $203K | Aug 20, 2026 |
| Keough KelliEVP, GBUL, SIPS | Sell | 10,954 | $188K | Jul 20, 2026 |
| Keough KelliEVP, GBUL, SIPS | Sell | 10,954 | $190K | Jun 22, 2026 |
Members of Congress have also reported 2 trades in SOFI. See the full insider & congress timeline.
Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.
See the interactive insider chart & every tradeScenario analysis
Bear, base & bull
Three growth assumptions, three fair values — and where today's price lands
What's working
Key strengths
Identified by Buffett framework analysis
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $4.8B | $3.7B | $2.9B | $1.8B | $1.1B |
| Rev. Growth | +28.8% | +27.8% | +64.4% | +62.1% | — |
| Net Income | $481M | $499M | -$301M | -$320M | -$484M |
| Net Margin | 10.1% | 13.5% | -10.4% | -18.2% | -44.5% |
| EPS (Diluted) | $0.42 | $0.46 | $-0.36 | $-0.40 | $-1.00 |
| Free Cash Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view |
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Educational Use Only · Not Financial Advice
Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.